California E&S Insurance

I know STR insurance comes up all the time, and I've read many threads on here. I've got a combo of factors that are making it very difficult to find a policy however. 3850 sqft / 7 BR / 5.5 BA on the Nevada side of Lake Tahoe.  A few different calculators agree on a roughly $1.8M replacement cost. These often-mentioned companies won't write a policy due to wildfire risk: Safely, Steadily, Foremost, Travelers, Proper  (Proper offered a liability-only policy, no dwelling coverage) NREIG and American Modern would write a policy, but only up to $1M dwelling limit. CBIZ offered a policy underwritten by a Berkshire Hathaway company with a $16K annual premium.  Ouch. Anyone have other options to suggest that I should be looking at?

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  "thread_id": "1135917",
  "thread_title": "Guru needed: Insurance for Tahoe STR, wildfire area",
  "forum_section": "",
  "scrape_method": "beautifulsoup"
}